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--- pos:ccprocessing [2025/04/06 18:29] – removed - external edit (Unknown date) 127.0.0.1
+++ pos:ccprocessing [2025/04/06 18:29] (current) – ↷ Page moved from joes:ccprocessing to pos:ccprocessing mrjim
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+====== How Card Processing Works ======
+Currently, most of our card customers are using debit cards. They get instant alerts for every transaction, and this sometimes causes confusion.
+As far as they are concerned, you have their money at the moment of the authorization. Even though you do not get the money for several days. With debit cards, the instant the authorization is made, that amount of money is removed from the customer’s account. Many customers think that you actually have the money at the moment of authorization. There are some cards that add 20% to the amount we request. We have no choice about this. It is not done by JOES. Customers can be confused about this.
+===== Every Order is Created With a Payment: =====
+When an order is created in JOES it is created with a payment. If it is a cash order it is created with a $0.00 cash payment. If paid by card it is created with the order total authorized and any tip added.
+One if my friends in the store can accidentally remove all payments and the order will have no payment amount displayed. This will orphan the order. It will not appear in the Current Orders screen and the Closeout Report will not run.
+Be cautious when removing any payment and be certain that it is replaced with another form of payment.
+If you know a payment was authorized on a card but later removed in error. Add an Account payment to the order and go into your credit card processor's portal and capture the authorization that was removed from the order.
+===== Authorization: =====
+An authorization is request to our processor to verify that the card is valid, and that the amount requested is available and will go through. Debit card users lose access to that money at that instant. It is no longer available to them at that moment. This happens even though the money is still in their account.
+There can be authorizations that are not attached to any order. These will never go through. You will never get that money. But for debit card users that money is removed from their account until their card processor releases it back to them. This is normally only a few days. But I have seen it take a month. The length of time the processor withholds the customer’s money from the customer is determined by the customer’s card company. If a customer ever calls about an authorization that is not attached to any order you should go into your processor’s web portal and void that authorization. That speeds up the release of the customer’s money back to them. It is rude to leave debit card authorizations pending that will never be captured.
+There are some customer card companies that add 20% to the authorization to allow for a tip. That is done by the customer’s processor every time they use the card at some restaurants. There is nothing we can do about this. I think this may only be for prepaid Debit cards. We only capture the authorized amount plus order edits and tip. Every time that customer uses that card at a restaurant a 20% cushion is added by their card company, yet they will still call you and ask why you took extra money. When a customer calls and asks why you took extra, multiply the amount you authorized by 1.2 [120%]. This will match what the customer’s bank is alerting them to. Then you know what’s going on and don’t even need to access your processor’s web portal to verify.
+===== Capture: =====
+Every night at closing when you run your Daily Closeout Report every authorization is captured. Each authorization is adjusted to the exact amount to the order plus any tip. If the order was increased or decreased the order total is adjusted. An authorization must be attached to an order to be captured. Payments made by Online customers at stores not using JOES POS are captured when the order is placed.
+===== Payments Over $999.99 Are Not Captured: =====
+For added security, transactions greater than $999.99 are not automatically captured when the closeout is run. They must be manually captured in the credit card processor’s portal. After the customer receives his order go to the portal and manually capture any transaction greater than $999.99. If the payment is not captured until 4 AM of the following morning it will be included in the next day’s deposit.
+===== Tips on $0.00 Orders Are Not Captured: =====
+When an order total is zero any top added to the order is not captured and processed. Make the order total at least $1.00.
+===== Batching: =====
+Once per day, currently at 4 AM, the captured cards are batched. They are grouped together for submission to the Card Network.
+===== Processed or Settled: =====
+The batch is sent to the Card Network at about 7 AM on the next business day after the batch. Cards batched at 4 AM Saturday [Friday’s sales] are sent on Monday morning if it is not a bank holiday. When the transactions are funded by the customer’s banks they are processed or settled.
+===== Deposit: =====
+The day after the transactions are processed/settled the amount of money that was batched is deposited into your account.
+[[:start|Back to Start]]